The mortgage industry has undergone significant changes over the past few decades. One of the most notable has been the separation of origination from servicing. This decoupling was initially driven by the desire for greater efficiency, specialization and the need to respond to growing regulatory and market pressures. However, recent technological advances, especially in artificial intelligence (AI), are prompting many in the industry to reconsider this dividing wall. 

As the pendulum swings back toward a more integrated approach, where origination and servicing will once again work together more cohesively, lenders will view both “sides” differently and start to details ⇒

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